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Home Equity Loans

Taking out a home equity loan is like borrowing money you already have. By using your home’s equity as collateral, you’ll secure competitive rates. Consider this option for important expenses, like home improvements, a new car, or medical bills.

Another smart option is to use your loan to pay off outstanding debts with higher interest rates. After all, it's your house — leverage it in your favor.

Details

Competitive rates for several types of personal needs:

Major life events

Home remodel projects

Debt consolidation

And much more!

The existing equity in your home is used as collateral backing

Fixed rates available for first and second mortgages

First mortgages – Owner-occupied and non-owner occupied considered

Second mortgages – Must be owner-occupied

Loan amount based on home value and creditworthiness

Accommodating repayment terms that work uniquely for you

The interest paid might be tax deductible (consult a tax advisor)

Local decision-making and processing in Idaho

Attentive, friendly service from start to finish

Home Equity Line of Credit (HELOC)

Consider tapping into your home equity and make your equity work for you. A home equity line of credit (HELOC) is convenient and easy to apply for. What's more — borrow what you need, when you need it and only pay interest on what you use.

Competitive rates for several ongoing or seasonal needs:

Major life events

Major home improvements

Debt consolidation

Emergency reserve

And much more!

The existing equity in your home is used as collateral backing

Accommodating repayment terms that work uniquely for you

Funds available anytime without reapplying; apply once, then use repeatedly thereafter

Revolving credit – as principal is repaid, more becomes available for use